I have saved all my life. The number one requirement is that you have what is called a disposable income, mine thanks to many increases in other departments is now in a negative situation I doubt I will ever be in a position to save again,why save when the muncipality just takes it away from you?this is the situation at the moment why save now when much is going to cost more at the end of the month. The number two requirement is mindset,I doubt if the mindset can be changed in a socialist economy,after all why save for your old age, the government will look after me, will they? or indeed should they? The number three requirement,financial climate, this can only be created buy the powers that be,come on do your bit and I for one will follow.